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Getting a mortgage can be a right nightmare at the moment, which is why increasing numbers of people are looking to jazz up their current property instead of upping sticks and moving on.

With huge deposits needed to buy a place and house prices tumbling uncontrollably, secured loans are proving a useful and affordable way to raise cash, allowing homeowners to ride out the property crisis and add to their investments in the process.

Extensions and loft conversions are among the most popular types of home improvements being undertaken, but loans are also being taken out to make homes more energy efficient.

The Government can even help if you’re thinking about making your home greener and there are a range of grants currently available.